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BBCJump in energy bills drives UK inflation to highest rate for four months·NYTTrump’s Tariffs on Hold as President Claims Deal With Canada Is Near·BBCTrump pauses new tariffs on Canada for three days, saying deal close·Al JazeeraUS sanctions International Criminal Court’s president and top lawyer·Al JazeeraTrump pauses 50 percent tariffs on Canada in last-minute deal·NYTCarney and Trump Talk Again as Deadline Nears on New U.S. Tariffs·SCMPUS Democrats rebuke Trump for easing sanctions on Beijing, Hong Kong officials·NYTBond Sell-Off Sends Borrowing Costs to Highest Level Since 2007·BBCJump in energy bills drives UK inflation to highest rate for four months·NYTTrump’s Tariffs on Hold as President Claims Deal With Canada Is Near·BBCTrump pauses new tariffs on Canada for three days, saying deal close·Al JazeeraUS sanctions International Criminal Court’s president and top lawyer·Al JazeeraTrump pauses 50 percent tariffs on Canada in last-minute deal·NYTCarney and Trump Talk Again as Deadline Nears on New U.S. Tariffs·SCMPUS Democrats rebuke Trump for easing sanctions on Beijing, Hong Kong officials·NYTBond Sell-Off Sends Borrowing Costs to Highest Level Since 2007·
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NZ$

New Zealand Dollar

NZD · New Zealand

35
Moderate
Risk
Historical Scores
324353Jul 2021Jul 2025Aug 2026
What does this mean for you?

The New Zealand Dollar is in decent shape overall, scoring 35 out of 100. There are some areas to watch, but no immediate danger. Your money is holding its value reasonably well compared to most currencies.

You only need about 4.3%/yr to stay ahead. A basic savings account is enough. Calculator ↓

Inflation
2.8%
Debt / GDP
52.0%
GDP Growth
0.5%
FX Volatility
3.0
Governance
1.8
Reserves
3.9 mo
Analysis
What's working well
Prices are stable — your money holds its value well
Strong institutions and rule of law
What to watch out for
No major concerns
Full New Zealand analysis →

Savings Impact Calculator

NZ$
Holding cash in NZD2.8% inflation
NZ$869−NZ$131 (13% purchasing power lost)
Your NZ$1,000 buys 13% less in 5 years
What if you invested NZ$1,000 instead? (5yr, in NZD terms)
Hold USD Cash
NZ$859
−NZ$141
-3.0%/yr net in NZD
S&P 500
NZ$1611
+NZ$611
range: NZ$734–NZ$3176
10% USD return + 0.0% FX · ±16% vol
Gold
NZ$1469
+NZ$469
range: NZ$418–NZ$4007
8% USD return + 0.0% FX · ±24% vol
Bitcoin
NZ$3052
+NZ$2052
range: NZ$180–NZ$18.4k
25% USD return + 0.0% FX · ±54% vol

All values in NZD. USD-denominated assets (S&P 500, Gold, Bitcoin) include an estimated FX gain of ~0.0%/yr based on the inflation differential between New Zealand (2.8%) and the US (~3%). This uses purchasing power parity as a long-run approximation — actual FX movements can differ significantly in the short term. S&P 500 based on 1957-2024, Gold on 2000-2024, Bitcoin on 2015-2024. Past performance does not guarantee future results. Not financial advice.

Holding other assets too? Calculate your full portfolio risk →
This score is based on our 12-factor risk model. Think inflation or debt should matter more? Build your own model with custom weights and see how NZD ranks differently.
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